Where do you keep the deeds to your house?

[Fireinthegrate]

I know that while you have a mortgage the deeds are held and stored by the lender, but once you’ve paid off your mortgage you take possession of your deeds yourself. Just wondering where people keep them as we will be getting ours very soon (hooray!)

You don't to keep them anywhere. They are saved digitally via the Land Registry.

Keep the deeds if you can. The original lease to my flat is registered with the Land Registry along the lines of 'Land Registry has seen the lease but no copy us held by the Land Registry. Basically it's a lost deed. I have a lease variation and extension but not the original lease.

Pahhhhh!! @Ylvamoon - I don't think it would break the bank and it's safer than having them in the house!!!!

The paper deeds are only important if they are not registered at the land registry.

It’s very very rare now to have a house that is not registered, but sometimes some older documents might not show on the register - if you want to, you can add them to the register very easily.

The actual paper deeds are not important at all for registered houses. Keep them in a file if you really want to, but there’s no need to worry about being fireproof etc, nothing bad will happen if they are destroyed.

Congratulations op , great feeling isn't it paying off the mortgage.
Ours are in filing cabinet , I was suprised how many sheets of paper it would be on .
@googlegoals they may be saved digitally but mortgage company still send you the deeds when you finish paying your mortgage which is what the op is talking about .

In a safe at the bank, £20 a year.

they may be saved digitally but mortgage company still send you the deeds when you finish paying your mortgage

Only if they ever had them. There were none for my house (1930's)

As an aside, the bank lost the paper deeds to my parents' house!

The paper deeds to our house were destroyed in WW2. We found out when we paid mortgage off last year. No need to prove ownership as property was already on Land Registry when we first bought it in 2009,
but I would have loved to see the original deeds as house was built in 1888, and a lot of local history hereabouts (Titanic especially)

I did do some research in central library and discovered our street was originally called something else entirely, the first resident was the vicar at the Seamans Mission a couple of doors away (now new builds), and there was a row of houses facing ours pulled down after a landmine exploded nearby (now a small playpark)

@maddiemookins16mum - seriously why are you spending £20 a year on storing your deeds? Is your home unregistered? There’s no need to store deeds if your home is registered.

I agree with other posters - it's a total non issue these days with land registration.

That said I do tend to keep copies of important documents relating to the house in the office so that if there's a flood/fire I have easy access to them.

We have our deeds in a metal filing cabinet. The bank doesn't hold them any more.

House was built in 2003 and it is all registered at the Land Registry, so i think when I get the paper originals I will keep them at home with other ‘important documents’
Thanks everyone

Under my bed. There are about 200 sheets of paper attached.

I have the deeds to our house... and we still have a mortgage on it. They don't keep the paper one anymore

They have no value- we were sent them by the bank when we purchased (with a mortgage). All on line. They are an interesting historical document but have no use in the modern world. Don't have a clue where they are.

The DPs' deeds were a thing of beauty, engrossed in copperplate and covering about 50 square feet. Their house was built in 1850, and the previous owners had got it by squatting until they had adverse possession.

Our deeds for all our houses come to 6 sheets of A4, and are just curiosities in our filing cabinet.